On Fri, Oct 12, 2018 at 3:53 PM William Herrin <bill@herrin.us> wrote:

Plus you don't earn rewards points.  I use an amex charge card for just about everything, never pay a dime in interest, and my annual fee is offset by about 5x by my points earnings.  Any bank that charges for basic transfers and such is terrible - and yeah I know it's fairly common amongst the largest banks in the US... I use a small credit union and they're great.  The only time I've ever paid them a fee for a service was when I did a very large wire transfer when I bought my house.  

I'd recommend checking out some local credit unions to find better, more consumer-friendly policies and fee schedules.  

Take care,

Matt